Supermarket chain Tesco first started trading in 1924, and there are now over 2,300 stores in the UK alone. It offers a range of low price meals and ingredients, as well regular dine-in meal deals.
Below are today's top Tesco discount vouchers, fully checked and verified by our team of voucher hunters. Get 'em while they're hot!
Whether it's a retailer or restaurateur, airline or air-conditioner seller, computer shop or car rental company, there are always two main risks. Either it's a dodgy company, or it's a legit company that has financial problems and goes bust.
The aim of these tips is to help you minimise the risks.
Quite simply, its customers are immediately transformed into creditors. This hits hardest if you've ordered goods or tickets from them, and not had delivery, as then you become one of a line of people trying to get your money back out of the company's assets, and you usually get back much less than you paid in.
Even if you've had delivery, if the company you bought from goes under and there's a problem with the goods, it can mean you've no comeback.
While MoneySavingExpert.com endeavours to check deals are valid, we don't check companies ' finances. Even huge names like MFI and Woolies have folded, so it's very important you use the right strategies to stay protected where possible.
Pay by credit card for something over £100, and Section 75 laws supercharge your consumer rights.
Unlike debit cards, cheques or cash, pay in full or part (even just £1) on a credit card and by law the lender's jointly liable with the retailer.
This means you have exactly the same rights with the card company as you do with the retailer. So if it goes bust, you can simply take your complaints there instead and get money back if there's no delivery.
Yet it's important you ALWAYS REPAY IN FULL each month, so there's no interest cost. See the full Section 75 guide.
Section 75 doesn't apply to purchases under £100, but there's still an option which can help. It isn't a legal protection, just Visa, Mastercard and Amex's rules, but it's a good back-up.
Spend on a Visa, Mastercard or Amex credit card or any debit or charge card. If the goods don't appear, you can try to ask your bank/card provider to reclaim the cash from the seller's bank, so long as you complain within 120 days of realising there’s a problem. See the Chargeback guide for full details.
Bogus websites are often set up to cash in on popular products like Ugg boots and Tiffany necklaces, so be wary if it's an unfamiliar site. And don't think that because it appears on a reputable search engine, that makes it a reputable site - always check.
Most folk know to look for a security padlock on the bottom right of a website, but that doesn't mean the site's legit, just that payment's secure.
To find out who registered the site and when, search the Whois database. Reputable firms should also appear on the Companies House site, the UK Government's official companies register. Be very wary of businesses with just a PO Box or email address.
Study the site's worldwide web ranking on Alexa. Anything in the top 100,000 means it's reasonably big and a good, though not foolproof indication of legitimacy. Do a quick Google search for other shoppers' experiences.
Crucially, ensure your security's up-to-date - free software can be downloaded to your computer in about five minutes. Full details in the Free Antivirus Software guide.
Many people are surprised to learn you've MORE rights buying online (or by telephone/catalogue) due to the Distance Selling Regulations.
These give you a legal right to send most goods back within seven days for a full refund (including outward delivery costs), even if there's no fault. You'll usually need to pay for the return delivery. Read Consumer Rights for a full guide.
However, of course, this is balanced by the fact ordering online automatically means there's a time gap between ordering and delivering - when the company has your money. So if it goes bust during that time, the distance selling rights don't help.
Ultimately, there is always a risk that a company can go bust. If the above routes don't apply, then you have to make a decision about whether you're willing to take the risk of parting with your cash.
Don't be scared of this. Every day we all make transactions based on trust, and this is part of that, but do balance up the amount you're spending against the risk. Don't give large amounts of money to a company you're not sure about.
Whether you collect in-store or get it delivered, the slimline and desktop calendars are cheaper here than anywhere else. However, for £9 delivered, you can get an A4 calendar from Photoworld (was £24), which is 75% off.
Photo books are difficult to compare, as sizes vary depending on where you order from, so it's worth shopping around before buying.
If you're collecting in-store, this offer beats the Photobox 70% off offer for newbies. But if you're getting your canvas delivered, and qualify for the Photobox offer, you're better off shopping there.
If you're not one of the Call of Duty super-fans who queued outside stores waiting to pick up a copy, we've got all the info you need to get Ghosts as cheaply as possible.
We've compared prices from the top retailers. Our top pick is at Sainsbury's for £32.99, when you spend £30 in-store on groceries by Sun 10 Nov (the £30 spend excludes petrol and lottery). If you buy the game online it'll cost you £42.99 for Xbox* and PS3*.
Normally, we don't like these 'spend £XX to get a discount' offers. But as this deal is at a supermarket, you can stock up on essential items you were going to buy anyway AND get a discount off this new game.
We don't see it getting any cheaper before Christmas (and not for a good while after, due to its popularity) so it may be worth taking advantage of this offer now.
Here's the best of the rest from other retailers:
Remember that often, the majority of game-play with Call of Duty is online (which costs if you're an Xbox player). So if you're planning on getting either the new Xbox One or PS4 this month, think twice about getting it now as the game is not backwards-compatible.
|Supermarket||Available to book||Last delivery date||Delivery charge||Minimum spend?|
|Asda||21 days in advance||Tue 24 Dec||£3-£5||£25|
|Sainsbury's||21 days in advance||Tue 24 Dec||£2.99-£6.95||£25|
|Tesco||End of Nov (date tbc)||Unconfirmed||£3-£6||N/A|
|Waitrose||NOW||Tue 24 Dec||Free||£50|
|Ocado||Thu 17 Oct||Tue 24 Dec||Free-£6.99||£90|
Supermarkets often flog special passes that entitle you to early booking around this time of year, but be warned though - these passes don't necessarily guarantee you a slot.
Warning! While the majority of gift cards are valid for two years, it's worth remembering that if the company goes bust or even just into administration then the card becomes effectively worthless. See our section 75 guide for more advice.
Get a whole school uniform from £4.50 at Tesco*, both in-store and online.
What do you get?
Prices change depending on size. Different-sized stores get different ranges depending on size, so not all stores will have all items.
How to get the kit: In-store and online. Click and Collect is free at over 900 stores.
As Orla Kiely paper gift bags cost £6.95 at Selfridges, we reckon a shopping bag for £4 is a pretty good deal!
Beauty Expert has similar prices to Boots online and even beats it for some products, so with 50% off, there are some great potential deals to be had. You could effectively get a Caudalie facial spray for £6 instead of £11.
To find out how to reclaim lost Tesco vouchers (some have found £100s) see the Reclaim Lost Tesco Points guide, or for more info on how to boost Clubcard points, see the Loyalty Points Boosting guide.
Other deals can be better value than the railcards but if you're buying them anyway, and don't need any other deals, it's a good conversion. Read more in the Loyalty Points Boosting guide. Also, check the railcard site for restrictions and to ensure you're eligible before exchanging your vouchers.
What discounts do the railcards get you?
16-25: A third off fares if you're over 16 and under 26.
Family & Friends: A third off adult and 60% off child fares, a minimum of one adult and one child, up to four adults and four children (age 5-15) can travel using one card.
Senior: Those 60 and over get a third off rail fares.
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